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Home insurance

How Liberty prices home insurance

Priced online

What the figures include

The table's figures already include 9% GST.

Prices from this table are as at 9 Oct 2026, the day we read Liberty's published rates.

A plan's premium is its base figure, times each factor that applies, plus any additions. It is never below the plan's minimum. Version 5, live since 20 Oct 2026.

Plans and how each is priced

Liberty HomeCare Plan A

Offered when Contents sum insured up to S$15,000

Base premium S$76.30

Excess None

Liberty HomeCare Plan B

Offered when Contents sum insured up to S$40,000

Base premium S$130.80

Excess None

Liberty HomeCare Plan C

Offered when Contents sum insured up to S$50,000

Base premium S$196.20

Excess None

Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)

Offered when Contents sum insured S$60,000 or more

Base premium
Contents sum insuredFigure
S$60,000S$222.36
S$100,000S$327.00

Excess None

Liberty HomeCare Top-up Plan with personal liability raised to S$1,000,000 (Plan C plus top-ups)

Offered when Contents sum insured S$15,000 or more

Base premium
Contents sum insuredFigure
S$15,000S$223.45
S$30,000S$223.45
S$60,000S$249.61
S$100,000S$354.25

Excess None

Worked examples

We check the table against these cases before it goes live. Each one matches the insurer's own price to the cent. The working shows where each figure comes from and the sums that give the premium.

ExampleAnswersWorkingPremium
Plan A, HDB, S$15,000 askedLiberty HomeCare Plan A
  • Contents sum insured: S$15,000
  1. Base S$76.30
  2. GST is included: S$76.30
S$76.30
Plan B, HDB, S$30,000 askedLiberty HomeCare Plan B
  • Contents sum insured: S$30,000
  1. Base S$130.80
  2. GST is included: S$130.80
S$130.80
Plan C, HDB, S$30,000 askedLiberty HomeCare Plan C
  • Contents sum insured: S$30,000
  1. Base S$196.20
  2. GST is included: S$196.20
S$196.20
Top-up Plan, HDB, S$60,000 askedLiberty HomeCare Top-up Plan (Plan C topped up to your contents sum)
  • Contents sum insured: S$60,000
  1. Base S$222.36 (Contents sum insured S$60,000)
  2. GST is included: S$222.36
S$222.36
Top-up Plan, HDB, S$100,000 askedLiberty HomeCare Top-up Plan (Plan C topped up to your contents sum)
  • Contents sum insured: S$100,000
  1. Base S$327.00 (Contents sum insured S$100,000)
  2. GST is included: S$327.00
S$327.00
Top-up Plan with S$1,000,000 liability, HDB, S$30,000 askedLiberty HomeCare Top-up Plan with personal liability raised to S$1,000,000 (Plan C plus top-ups)
  • Contents sum insured: S$30,000
  1. Base S$223.45 (Contents sum insured S$30,000)
  2. GST is included: S$223.45
S$223.45
Show the other 2 examples
ExampleAnswersWorkingPremium
Top-up Plan with S$1,000,000 liability, HDB, S$60,000 askedLiberty HomeCare Top-up Plan with personal liability raised to S$1,000,000 (Plan C plus top-ups)
  • Contents sum insured: S$60,000
  1. Base S$249.61 (Contents sum insured S$60,000)
  2. GST is included: S$249.61
S$249.61
Top-up Plan with S$1,000,000 liability, HDB, S$100,000 askedLiberty HomeCare Top-up Plan with personal liability raised to S$1,000,000 (Plan C plus top-ups)
  • Contents sum insured: S$100,000
  1. Base S$354.25 (Contents sum insured S$100,000)
  2. GST is included: S$354.25
S$354.25

Where the figures come from

Plus 1 file of saved quotes, data and screenshots from Liberty's online quote tool, kept with the table.

Before going live the table was read from the published table and matched to worked examples in the insurer's brochure.

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Your own premium depends on your answers. You finish buying on the insurer's own site, where you pay and they issue the policy.

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